South Florida is a beautiful place to live, however it is very susceptible
to hurricanes. South Florida residents should prepare for Hurricane Season
so that they are covered in the unfortunate event that they suffer property
damage. Hurricane season starts June 1st and runs through November 30th, now is the time to prepare before it is too late.
Even though Erika's future track and intensity remain highly uncertain,
tropical storm warnings continue throughout South Florida. Tropical storm
Erika is expected to bring heavy rain and gusty winds and could strengthen
to a hurricane this weekend. As a result, Governor Rick Scott has declared
a state of emergency for the entire state of Florida. Please do not under
estimate Erika's potential and follow these three tips to prepare
you for any unfortunate event that your property may undergo.
1) Review Your Insurance Policy Carefully
It is important to review your insurance policies carefully. Read the fine
print and make sure you have the coverage you need. In particular, pay
close attention to the exclusions and policy limits written into your
policy and beware if the deductible and type of replacement cost. Remember
that most insurance policies do not cover flooding, for that you will
need a separate policy, typically from the National Flood Insurance Program
(NFIP). If you wish to obtain flood insurance, contact your insurance
agent or NFIP at 1-888-356-6329 or visit
www.floodsmart.gov. Home-based business losses are also not covered by most insurance policies
and require a separate policy. Carefully reviewing your policy will let
you know what you are entitled to receive after a hurricane.
2) Create and Maintain an Inventory of Property
Another important thing to do is to take an inventory of your home and
the property in it. Take photos or videos of all your personal property
or business equipment and keep receipts and serial numbers for major purchases.
Make sure you store this documentation in a safe place away from your
home, such as a financial institution where you have a safety deposit
box. Keep the number of your insurance company as well as a copy of your
policy stored in a safe place as well.
3) Seek Experienced Legal Representation
In the unfortunate case that disaster does strike, you should seek legal
representation. Our Miami-based insurance law firm has helped many individuals
and families gain the upper edge on their insurance providers, so they
could recover the compensation, which they are entitled to. We stand ready
and willing to help you do the same. Our lead attorney, Luis Mena, has
more than 15 years of experience with insurance law and is honored to
have been selected for inclusion in the
Rising Stars℠ list multiple times. Prior to
filing a claim on your behalf, we will take the time to review your insurance policy,
answer any questions you may have, help you gather the evidence necessary
to document your claim and then assist you in completing each step of
the claim process. Insurance companies who know their insured have retained
legal representation are far less likely to offer a "lowball settlement"
or attempt to deny a valid claim. To find out more about insurance claims
or to find out whether you may have a valid claim,
get in touch with Mena Law Firm now. Trust us when we say fighting the insurance company is worth it!